JPM
JPMorgan Chase & Co.
JPM has a slight edge over STBA overall, supported by stronger fundamentals and stronger modeled upside.
STBA
S&T Bancorp, Inc.
STBA offers stronger valuation, but that advantage does not outweigh its weaker overall profile.
JPM Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
JPM's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like JPM.
STBA Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
STBA's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like STBA.
JPM PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.7x | $231 | -33% |
| Fair | 12x | $287 | -16% |
| Current | 14x | $343 | — |
| Forward | 14x | $343 | — |
| Expensive | 15x | $361 | +5.2% |
Historical ranges are pointers, not guarantees.
JPM has the edge over STBA in the historical PE scenario, which offers more potential upside but is not a forecast.
STBA PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.8x | $34.56 | -32% |
| Fair | 11x | $44.15 | -13% |
| Forward | 12x | $50.81 | — |
| Current | 13x | $50.81 | — |
| Expensive | 14x | $53.27 | +4.9% |
Historical ranges are pointers, not guarantees.
STBA's PE is in its expensive range at 13x. If earnings grow as analysts expect, today's price would be 12x next year's earnings.
JPM Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for JPM, with profitability improving.
STBA Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect STBA's earnings to grow and its profitability to improve, with its revenue holding steady.
JPM Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $24.99 | +4.8% |
| Q3 2026 | $23.85 | +18% |
| Q2 2026 | $23.35 | +20% |
| Q1 2026 | $20.89 | +2.5% |
| Q4 2025 | $20.02 | +1.4% |
| Q3 2025 | $20.20 | +12% |
| Q2 2025 | $19.50 | +8.7% |
| Q1 2025 | $20.38 | +23% |
| Q4 2024 | $19.75 | +22% |
JPM has the edge over STBA on earnings, with more consistent year-over-year improvement.
STBA Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.17 | +6.1% |
| Q3 2026 | $3.93 | +13% |
| Q2 2026 | $3.75 | +10% |
| Q1 2026 | $3.56 | +2.6% |
| Q4 2025 | $3.49 | +2.3% |
| Q3 2025 | $3.47 | -1.1% |
| Q2 2025 | $3.41 | -3.4% |
| Q1 2025 | $3.47 | -1.7% |
| Q4 2024 | $3.41 | -8.8% |
STBA earned $3.93 per share over the past year, up 13% from the year before.
JPM Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $50.2B | +8.1% |
| Q2 2026 | $57.3B | +28% |
| Q1 2026 | $49.8B | +10% |
| Q4 2025 | $45.8B | +7.1% |
| Q3 2025 | $46.4B | +8.8% |
| Q2 2025 | $44.9B | -11% |
| Q1 2025 | $45.3B | +8.1% |
| Q4 2024 | $42.8B | +11% |
JPM has the edge over STBA on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 40% | -0.2 points |
| Q2 2026 | 48% | +7.3 points |
| Q1 2026 | 41% | +0.5 points |
| Q4 2025 | 37% | -3.2 points |
| Q3 2025 | 40% | +0.6 points |
| Q2 2025 | 41% | -6 points |
| Q1 2025 | 41% | -0.6 points |
| Q4 2024 | 41% | +11 points |
JPM's operating margin was 40% last quarter, about level with the same quarter a year ago.
STBA Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $107.8M | +4.6% |
| Q2 2026 | $105.2M | +5.2% |
| Q1 2026 | $102.1M | +8.9% |
| Q4 2025 | $105.3M | +12% |
| Q3 2025 | $103M | +6.9% |
| Q2 2025 | $100.1M | +3.3% |
| Q1 2025 | $93.8M | -2.7% |
| Q4 2024 | $94.3M | -8.6% |
STBA's revenue has grown year over year for six quarters in a row: $108M last quarter, up 4.6% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 45% | +2.7 points |
| Q2 2026 | 43% | +3.2 points |
| Q1 2026 | 43% | -1.3 points |
| Q4 2025 | 40% | -3.5 points |
| Q3 2025 | 43% | -0.4 points |
| Q2 2025 | 40% | -4.3 points |
| Q1 2025 | 44% | +3.8 points |
| Q4 2024 | 44% | -0.8 points |
STBA has the edge over JPM on profitability, with a higher operating margin.
JPM Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $33.2B | +$78.4B |
| Q2 2026 | -$25.3B | -186% |
| Q1 2026 | -$211.8B | +$40.1B |
| Q4 2025 | $119.7B | -19% |
| Q3 2025 | -$45.2B | +$28.9B |
| Q2 2025 | $29.5B | -23% |
| Q1 2025 | -$251.8B | -$97.7B |
| Q4 2024 | $147.8B | +145% |
JPM's free cash flow was −$84.2B over the past year, against −$120B the year before. Free cash flow isn't a meaningful measure for financial services companies like JPM.
STBA Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $66.7M | +67% |
| Q2 2026 | $27M | -0.5% |
| Q1 2026 | $41.6M | +54% |
| Q4 2025 | $34.9M | -35% |
| Q3 2025 | $39.9M | +49% |
| Q1 2025 | $27M | -41% |
| Q4 2024 | $53.9M | +40% |
| Q3 2024 | $26.8M | -49% |
STBA has the edge over JPM on cash generation, producing positive trailing cash flow while its opponent burns cash.
JPM Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.4% | -11.2M shares |
| 1 year | -3.1% | -84.6M shares |
| 3 years | -8.5% | -249M shares |
| 5 years | -11% | -322M shares |
| Available history | -17% | -547M shares |
JPM has 2.7B diluted shares, down 3.1% from a year ago, with $24.5B in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.1B |
| Q2 2026 | $6.8B |
| Q1 2026 | $8.3B |
| Q4 2025 | $8.3B |
| Q3 2025 | $8.3B |
| Q2 2025 | $7.5B |
| Q1 2025 | $7.5B |
| Q4 2024 | $4.3B |
JPM spent $24.5B buying back its own shares over the past year, down 11% from the year before.
STBA Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.3% | -451K shares |
| 1 year | -7.9% | -3M shares |
| 3 years | -6.9% | -2.6M shares |
| 5 years | -9.2% | -3.6M shares |
| Available history | +2.4% | +836K shares |
STBA has the edge over JPM on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $47.6M |
| Q1 2026 | $49.7M |
| Q4 2024 | — |
| Q3 2024 | — |
| Q4 2023 | — |
| Q3 2023 | — |
| Q4 2022 | — |
JPM Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.5x | Very low |
| Q2 2026 | 0.5x | Very low |
| Q1 2026 | 0.6x | Very low |
| Q4 2025 | 0.5x | Very low |
| Q3 2025 | 0.6x | Very low |
| Q2 2025 | 0.5x | Very low |
| Q1 2025 | 0.5x | Very low |
| Q4 2024 | 0.4x | Very low |
JPM's net debt is less than a year of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like JPM.
STBA Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q4 2020 | -0.5x | Net Cash |
| Q3 2020 | -3.0x | Net Cash |
| Q2 2020 | -1.8x | Net Cash |
| Q1 2020 | 3.6x | Elevated |
| Q4 2019 | 3.1x | Elevated |
STBA has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like STBA.
JPM Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.8 | Neutral |
| Stochastic | 31.5 | Neutral |
JPM's weekly RSI is 55 (neutral) and its Stochastic is 31 (neutral).
STBA Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 61.2 | Neutral |
| Stochastic | 56.2 | Neutral |
STBA's weekly RSI is 61 (neutral) and its Stochastic is 56 (neutral).
JPM PE vs Financial Services Sector
| Metric | JPM | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 10% above |
| PE % | 76 | 63 | 13 pts above |
JPM is trading at 14x earnings, a 10% premium to the Financial Services sector's median of 13x.
STBA PE vs Financial Services Sector
| Metric | STBA | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.7% below |
| PE % | 78 | 63 | 15 pts above |
STBA has the edge over JPM on valuation relative to its sector.
JPM Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $336.8 | 1.8% above |
| 20 week MA | $345.3 | 0.7% below |
| 50 week MA | $323.2 | 6.1% above |
| 100 week MA | $298.9 | 15% above |
| 200 week MA | $236.6 | 45% above |
JPM's trend is mixed: it's above four of its five weekly moving averages, and 45% above its 200-week average.
STBA Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $49.9 | 1.9% above |
| 20 week MA | $50.2 | 1.2% above |
| 50 week MA | $45.9 | 11% above |
| 100 week MA | $41.8 | 22% above |
| 200 week MA | $37.5 | 36% above |
STBA has the edge over JPM on trend strength, trading above more of its moving averages.
JPM Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $139.1 | $124.5 | -11% |
| 2021 | $124.5 | $157.3 | +26% |
| 2022 | $157.3 | $131.3 | -17% |
| 2023 | $131.3 | $170.1 | +30% |
| 2024 | $170.1 | $241.2 | +42% |
| 2025 | $241.2 | $327.9 | +36% |
| 2026 YTD | $327.9 | $342.8 | +4.5% |
JPM has finished higher in four of the last six years. It's up 4.5% so far in 2026.
STBA Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $40.2 | $24.4 | -39% |
| 2021 | $24.4 | $31.3 | +28% |
| 2022 | $31.3 | $34.7 | +11% |
| 2023 | $34.7 | $33.4 | -3.6% |
| 2024 | $33.4 | $38.5 | +15% |
| 2025 | $38.5 | $40.3 | +4.8% |
| 2026 YTD | $40.3 | $50.8 | +26% |
STBA has the edge over JPM on returns for 2026, with the stronger performance.